No. of Recommendations: 2
IMHO, I don't see the benefit of converting all of your IRAs to Roths before you turn 70.5? It sounds like RMDs won't have any affect for several years from what you've said.

I would take measures to move your taxable accounts to more tax sheltered investments (low cap gains and dividend distributions), double up on itemized deductions (pay two years of property taxes in one year, etc.) and do the conversions in those years. I think that may reduce your effective tax rate on IRA conversions and distributions.

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